ʻO ka unuhi ʻana i ka uku pānaʻi moraki IRS
ʻAʻole manuahi ka loaʻa ʻana o kahi hōʻaiʻē moraki. ʻO kāu mea hāʻawi kālā a me nā ʻaoʻao ʻē aʻe e uku i nā uku no ka pani ʻana i ka hōʻaiʻē, nā koina hiki ke hoʻonui i nā tausani kālā. Akā hiki iā ʻoe ke loaʻa i kahi hoʻomaha ʻauhau? Hiki iā ʻoe ke unuhi i kēia mau koina pani ma kāu ʻauhau federal?
I ka hapanui o nā hihia, ʻo ka pane "ʻaʻole." ʻO nā koina pani moraki wale nō e hiki iā ʻoe ke koi ma kāu hoʻihoʻi ʻauhau no ka makahiki ʻauhau āu e kūʻai ai i home, ʻo ia nā kikoʻī āu e uku ai e hōʻemi i ka uku paneʻe a me nā ʻauhau waiwai āu e uku mua ai.
Hāʻawi ka ʻauhau ʻauhau ʻAmelika i nā mea nona ka hale i ʻelua mau ʻauhau nui: Hiki iā lākou ke unuhi i ka ukupanee a lākou e uku ai i kā lākou hōʻaiʻē home i kēlā me kēia makahiki a me nā ʻauhau waiwai a lākou e uku ai i nā kaona kūloko. ʻO ia ka nūhou maikaʻi. ʻO ka hewa? ʻAʻole hiki i nā mea kūʻai ke unuhi i ka hapa nui o nā uku i uku ʻia e ka poʻe hāʻawi kālā i ka wā e pani ai i kā lākou moraki.
Ke lawe ka poʻe kūʻai hale i kahi hōʻaiʻē moraki, pono lākou e uku i nā koina pani. ʻO kēia mau kumukūʻai ke ʻano o ka loaʻa kālā ʻana o nā mea hāʻawi kālā a me nā ʻaoʻao ʻē aʻe, e like me nā mea hoʻolako inoa inoa. Hiki i nā mea kūʻai ke manaʻo e uku i ka 3-6% o kā lākou hōʻaiʻē kālā i ka pani pani ʻana. No ka laʻana, ma kahi moraki $200.000, hiki i nā mea kūʻai ke manaʻo e uku ma waena o $6.000 a me $12.000 i nā koina pani. E loaʻa i nā mea kūʻai hale kahi hōʻike pani ma kahi o 3 mau lā ʻoihana ma mua o ka pani ʻana i ka kikoʻī i kā lākou pani pani.
2021 ka unuhi ʻauhau ukupanee
ʻAʻohe mea nui e pili ana i nā ʻauhau e hoʻohauʻoli ai i nā kānaka, koe wale nō ka mea e pili ana i ke kumuhana o ka unuhi. ʻO ka ʻauhau ʻauhau kekahi mau lilo i loaʻa i loko o ka makahiki ʻauhau a hiki ke unuhi ʻia mai ka waihona ʻauhau, pēlā e hōʻemi ai i ka nui o ke kālā āu e uku ai i ka ʻauhau.
A no nā mea hale nona ka moraki, aia nā unuhi hou aʻe e hiki ke hoʻokomo. ʻO ka unuhi ʻana i ka moraki kekahi o nā unuhi ʻauhau no nā mea hale i hāʻawi ʻia e ka IRS. E heluhelu no ka ʻike ʻana he aha ia a pehea e koi ai i kāu ʻauhau i kēia makahiki.
ʻO ka unuhi ʻana i ka moraki he mea hoʻoikaika ʻauhau no ka poʻe nona ka hale. ʻO kēia unuhi kikoʻī e hiki ai i nā mea hale ke helu i ka ukupanee a lākou e uku ai ma kahi hōʻaiʻē e pili ana i ke kūkulu ʻana, kūʻai a hoʻomaikaʻi ʻana paha i ko lākou home nui e pili ana i kā lākou loaʻa ʻauhau, e hōʻemi ana i ka nui o nā ʻauhau a lākou. Hiki ke hoʻohana ʻia kēia unuhi ʻana i nā hōʻaiʻē no nā hale ʻelua, ʻoiai ʻoe e noho i loko o nā palena.
Aia kekahi mau ʻano o nā hōʻaiʻē home e kūpono i ka unuhi ʻauhau ukupanee. Aia ma waena o lākou nā hōʻaiʻē e kūʻai, kūkulu a hoʻomaikaʻi paha i hale. ʻOiai ʻo ka hōʻaiʻē maʻamau he moraki, hiki ke ʻae ʻia kahi hōʻaiʻē home equity, laina o ka hōʻaiʻē, a i ʻole moraki ʻelua. Hiki nō hoʻi iā ʻoe ke hoʻohana i ka unuhi ʻana i ka moraki ma hope o kou hoʻolilo hou ʻana i kou home. Pono ʻoe e hōʻoia e hoʻokō ka hōʻaiʻē i nā koi i luna (kūʻai, kūkulu a hoʻomaikaʻi paha) a hoʻohana ʻia ka home i nīnau ʻia e hoʻopaʻa i ka hōʻaiʻē.
No ke aha ʻaʻole hiki ke unuhi ʻia kaʻu moraki?
Nui a i ʻole nā huahana āpau i hōʻike ʻia ma ʻaneʻi mai kā mākou mau hoa hana e uku mai iā mākou. Hiki i kēia ke hoʻololi i nā huahana a mākou e kākau ai a ma hea a pehea e ʻike ʻia ai ka huahana ma kahi ʻaoʻao. Akā naʻe, ʻaʻole pili kēia i kā mākou loiloi. ʻO kā mākou mau manaʻo no mākou iho.
ʻO ka unuhi ʻana i ka ukupanee moraki he unuhi ʻauhau ia no ka ukupanee moraki i uku ʻia ma ka ʻaiʻē mua o ka moraki. Hiki i nā mea hale i kūʻai i nā hale ma hope o Dec. 15, 2017, hiki ke unuhi i ka ukupanee ma ka $750.000 mua o ka moraki. ʻO ke koi ʻana i ka unuhi ʻana i ka moraki e pono ai ka helu ʻana i kāu hoʻihoʻi ʻauhau.
ʻO ka unuhi ʻana i ka ukupanee moraki hiki iā ʻoe ke hoʻemi i kāu loaʻa kālā ʻauhau ma ka nui o ke kālā āu i uku ai i ka ukupanee moraki i ka makahiki. No laila inā he moraki kāu, e mālama i kahi moʻolelo maikaʻi: ʻo ka ukupanee āu e uku ai ma kāu hōʻaiʻē moraki hiki ke kōkua iā ʻoe e hōʻemi i kāu bila ʻauhau.
E like me ka mea i hōʻike ʻia, hiki iā ʻoe ke unuhi maʻamau i ka ukupanee moraki āu i uku ai i ka makahiki ʻauhau ma ka miliona mau kālā mua o kāu aie moraki ma kou home nui a lua paha. Inā kūʻai ʻoe i ka hale ma hope o Dekemaba 15, 2017, hiki iā ʻoe ke unuhi i ka ukupanee āu i uku ai i ka makahiki ma ka $750.000 mua o ka moraki.
ʻO ka unuhi ʻana o ka moraki me ka unuhi maʻamau
Inā ʻoe e hoʻolimalima ʻoi aku ma mua o hoʻokahi waiwai, e hoʻohui pū ʻia nā loaʻa a me nā poho o ia mau waiwai e loaʻa i kahi helu waiwai a pohō hoʻokahi no kāu ʻoihana waiwai. Eia naʻe, pono e hoʻokaʻawale ʻia nā loaʻa a me nā poho mai nā waiwai o waho mai ka waiwai o UK.
Hiki iā ʻoe ke kaʻana like i ka kuleana o kahi waiwai hoʻolimalima me nā poʻe ʻē aʻe a ʻo ka nui o ka loaʻa kālā hoʻolimalima āu e uku ai i ka ʻauhau ma muli o kou hoihoi i ka waiwai. ʻAʻole ʻoihana ʻokoʻa kou komo ʻana i kahi ʻoihana waiwai i hui pū ʻia mai nā waiwai i loaʻa iā ʻoe.
Inā loaʻa iā ʻoe ka waiwai ma nā ʻāpana like ʻole a loaʻa iā ʻoe ka loaʻa kālā ma nā ʻāpana like ʻole, hiki ke ʻauhau ʻia ka loaʻa kālā ma ia kumu. Pono nā mea ʻelua e haʻi i nā kuleana maoli i ka waiwai a me ka loaʻa kālā hui.
Inā loaʻa iā ʻoe ka waiwai me kahi mea ʻē aʻe ma waho o kāu kāne a i ʻole kāu hoa pili home, ʻo kāu ʻāpana o ka loaʻa kālā a i ʻole nā mea poho e kau ʻia ma luna o ka ʻāpana o ka waiwai āu i loaʻa ai, ke ʻole ʻoe e ʻae i kahi mahele ʻokoʻa.
